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ICICI Lombard Rishtey Health Insurance

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ICICI Lombard Rishtey Health Insurance Policy

 

ICICI Lombard Rishtey Health Insurance is a comprehensive health cover which can be gifted to parents to cover hospitalisation and day-care expenses. It can also be taken for self, spouse and children. Unique feature in this policy is that it pays for airfare expenses in case of a medical emergency. Additionally, this plan provides cover against Swine Flu, H1N1 Influenza and terrorist activities.

 

 

Key Features of ICICI Lombard Rishtey Health Insurance Policy

 

  • Airfare reimbursement of the applicant to visit parents in case of medical emergency
  • No health check-up till 45 yrs of age
  • Covers Swine Flu / H1N1 influenza

 

 

Variants in ICICI Lombard Rishtey Health Insurance Plan

 

This plan is available in 2 variants -

  1. Plan 1 : Sum Insured is Rs 2 lacs per year  (Air ticket reimbursement for Rs 10,000)
  2. Plan 2 : Sum Insured is Rs 3 lacs per year  (Air ticket reimbursement for Rs 20,000)

 

 

What is covered in ICICI Lombard Rishtey Health Insurance Plan?

 

  • Medical expenses incurred during hospitalisation for more than 24 hours. This includes doctor’s fees, room charges, cost of medicines, etc
  • Nursing care charges for 3 days
  • Hospitalisation due to terrorist activities
  • Covers Swine Flu / H1N1 influenza
  • Advanced surgeries that require less than 24 hour hospitalisation like radiotherapy, chemotherapy, dialysis, etc
  • Pre-existing diseases after 4 years of policy renewal
  • Pre-hospitalisation expenses up to 30 days
  • Post- hospitalisation expenses up to 60 days

 

 

 

Additional Benefits of ICICI Lombard Rishtey Health Insurance Policy

 

  • Free health check-up coupon for one insured member
  • Additional sum insured  of 5% for every claim free year
  • Covers against terror acts and Swine Flu/ H1N1 Influenza

 

 

Eligibility and Restrictions of ICICI Lombard Rishtey Health Insurance

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

3,00,000

Policy Term (in years)

1

1

Entry Age (in years)

3 months

70

Renewable till Age (in years)

-

75

 

 

Family floater policy will cover

 

  • Self
  • Spouse
  • Children
  • Parents

 

 

Exclusions - What is not covered in ICICI Lombard Rishtey Health Insurance?

 

  • Pre-existing diseases for first 4 yrs
  • Any ailments for first 30 days except in accidental cases
  • 2 yr exclusion for specific conditions like arthritis, stones, hernia, cataract, hysterectomy, skin and internal tumors, joint replacement surgery (except due to accident), gastric and duodenal ulcers, surgery of tonsils and sinuses etc.
  • Non-allopathic treatments
  • Expenses arising from AIDS, HIV and related diseases and intentional self injury
  • Abuse  of liquor, drugs, intoxicants, hallucinogens
  • Pregnancy and childbirth related complications
  • Cosmetic and obesity related treatments
  • Hospitalisation due to war, strike, riot, nuclear weapons

 

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